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That could make the appliance, approval, and funding processes a lot shorter — usually only a few days, if not hours. With a house fairness loan, it could take weeks to gauge your house, receive approval, and receive House & Home Improvement news funds. And with a Wells Fargo individual loan, there are not any hidden fees — no origination or closing charges, and no prepayment penalty. Bank deposit accounts, such as checking and financial savings, could also be topic to approval.